Which statement best describes the coverage provided by the CGL portion of a commercial package policy?

• A. Bodily injury, property damage, advertising injury, and personal injury
• B. Property damage only
• C. Bodily injury and property damage only
• D. Auto liability

Answer: (C)

The main idea here is that the CGL part of a commercial package provides protection against third‑party liability for injuries or damage caused by the insured’s business activities. The two core exposures that define this coverage are bodily injury and property damage. That’s why describing the CGL coverage as covering bodily injury and property damage aligns with what this part of the policy is primarily meant to protect against. Auto liability is handled by the auto liability portion, not the CGL. Advertising injury and personal injury are sometimes included in CGL, but when asked to summarize the coverage in the most fundamental terms, bodily injury and property damage are the primary, defining coverages.